Take a look at any chart of the S&P 500 over decades. What matters is the day you invest, and the day you cash out. The wiggles in between mean nothing.
Buying another laptop doesn't change the math.
If you're consistently having losses that makes insuring you unprofitable, you're likely to see large escalations on your premiums. Insurance companies do keep tabs on this, and premiums are customized to the individual customer. You may be paying higher rates on car and home policies than others.
If you're well aware of the true costs of those choices, and choose them rationally, there's no problem with that.
Lots of people don't know that, though. The prof who taught me accounting used to work as a car salesman, and he told me that the money is made not by selling cars, but by selling financing to people who refused to understand what the financing cost them. (I say refused because he was a nice guy and would try to explain to them what it would really cost them, and they refused to even hear the explanation.)
I've been around long enough to realize the benefits of self-insuring as much as possible, buying cash instead of financing, and the benefits of long term investing and not worrying about the daily (or even yearly) gyrations in the market.
It's not a joke that dead people statistically have far better investment returns than live ones, because they just let their investments ride instead of trying to time them.
Buying another laptop doesn't change the math.
If you're consistently having losses that makes insuring you unprofitable, you're likely to see large escalations on your premiums. Insurance companies do keep tabs on this, and premiums are customized to the individual customer. You may be paying higher rates on car and home policies than others.